Call reports 2014
UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. — 2014
What UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 225,282,000 | 221,167,000 | 220,635,000 | 219,906,000 |
| Total loans | 135,228,000 | 142,983,000 | 142,276,000 | 143,491,000 |
| Allowance for loan losses | 2,238,000 | 2,244,000 | 2,264,000 | 2,299,000 |
| Securities available for sale | 67,341,000 | 65,632,000 | 65,294,000 | 63,412,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,133,000 | 173,441,000 | 171,569,000 | 175,008,000 |
| Interest-bearing deposits | 150,302,000 | 142,332,000 | 137,013,000 | 136,019,000 |
| Noninterest-bearing deposits | 36,831,000 | 31,109,000 | 34,556,000 | 38,989,000 |
| Equity capital | 22,533,000 | 23,763,000 | 24,750,000 | 25,043,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,279,000 | 4,592,000 | 6,940,000 | 9,275,000 |
| Interest expense | 201,000 | 397,000 | 592,000 | 782,000 |
| Net interest income | 2,078,000 | 4,195,000 | 6,348,000 | 8,493,000 |
| Noninterest income | 394,000 | 802,000 | 1,221,000 | 1,638,000 |
| Noninterest expense | 1,247,000 | 2,511,000 | 3,826,000 | 5,290,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,197,000 | 2,427,000 | 3,659,000 | 4,728,000 |
| Income tax | 351,000 | 713,000 | 1,067,000 | 1,327,000 |
| Net income | 846,000 | 1,714,000 | 2,592,000 | 3,401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,928,000 | 23,796,000 | 24,657,000 | 24,757,000 |
| Total capital | 24,734,000 | 25,690,000 | 26,554,000 | 26,669,000 |
| Risk-weighted assets | 144,080,000 | 151,146,000 | 151,438,000 | 152,515,000 |
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